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    • earthgirl
    • By earthgirl 13th Jan 18, 6:55 AM
    • 2,595Posts
    • 27,360Thanks
    earthgirl
    Earthgirl's Final Battle
    • #1
    • 13th Jan 18, 6:55 AM
    Earthgirl's Final Battle 13th Jan 18 at 6:55 AM
    Hello all,

    My last diary was unceremoniously deleted by the powers that be, and although I have tried to get it back the nice people at MSE towers can't reinstate it (just doing their jobs). I think the title might have offended somebody

    So as my last post was my goals for 2018 - where I laid out my plans for 2018 and hope to finally pay off this mortgage taken out in Nov 2013 - Its actually quite a good time to start a new diary.

    This will be my final battle - I have £11, 687 to pay off. I am also saving for holidays and travel.

    Thanks to the ed team for giving me access to a few posts - here is my last post:

    We have saved £28,000 towards our mortgage in 2017. Providing we pay the endowmwnt payments £50/month each times 2 endowments for 1 year and 3 years respectively, and that the endowmets make the mid estimated pay out, we need to find £11, 687 to pay off the mortgage.

    At one time I wanted to get that paid off in 2017, but I wouldn't swap the holiday for OHs 50th, which was our other big expense this year.

    So goals for 2018

    **Health**
    Whole family lead an active and healthy life (sleep, hyrdation, 5 a day, healthy food, acitve every day, less alchohol). I'm pretty well organised with this.

    **Wealth**
    Save £1000 per month to pay off mortgage by 2019. This is the year!
    Make an extra £400 / month an allocate to holidays and travelling
    Subject to revision if OH has periods of no/low income.

    **Life Well Lived**
    Lots of activities with family
    one to one time with kids and oh
    be present and mindful - less distractions when with family
    plan travel and holidays
    make more time for all of our hobbies - reading, gardening, languages, boys football.
    seeing friends and family a priority (cheaply, and for the kids too!)
    simplify life a bit more, and declutter life and home."

    And for good measure here is my first post from my last diary:

    My new diary is so named as the first morning we woke up in our new house after running out on our old life, we all ended up dancing around the living room playing air guitar to this tune. DH and I had a bit of a moment as reality set in!

    We decided fairly quickly to move on from our old secure little life, with reasonably secure income and no mortgage, to take a chance on our dream house by the sea. With a bit of stress and 'homelessness' in the middle we now the owners of a lovely family home on the west coast of Scotland. We had savings of about £250,000 thanks to mse and this board in particular, we have spent about £20,000 on the move itself, and now have to pay off £147,500 for our new mortgage.

    Only problem is we have little income as I gave up my job and dh is remodelling his business, but we have lots of positivity and determination!

    I'd like to set a target of paying it all off in ten years. I'd like to pay off £10,000 in the next 12 months.

    Off we go.... ![](http://static.moneysavingexpert.com/images/forum_smilies/action-smiley-033.gif) ![](http://static.moneysavingexpert.com/images/forum_smilies/action-smiley-033.gif)

    old diary here http://forums.moneysavingexpert.com/showthread.php?t=3978475"
    15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again

    50 Frugal Living Tips that Really Work : https://youtu.be/eBorBymXXCQ

    Budget for May - Real Figures: https://youtu.be/vu8h_RW6TIY
Page 43
    • Karmacat
    • By Karmacat 7th May 19, 8:01 AM
    • 31,494 Posts
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    Karmacat
    Earthie, one of my nephews was quite symptomatic in the way you describe - he was later (not till a teenager) diagnosed with dyslexia. It wasn't till he got to university that he got proper help, but it definitely affected him emotionally. Try not to worry too much, just support and love. And support and love to you too xxx
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • themadvix
    • By themadvix 7th May 19, 9:49 AM
    • 2,349 Posts
    • 13,186 Thanks
    themadvix
    Agree with Karma - it's great that you're aware of the possibility (and I think we're all on the spectrum somewhere), so you can give him the help and love he needs, but it's too soon to be worrying too much about it. He may just be going through a rough patch developmentally (I sound like I know what I'm talking about, but I don't, so don't quote me!).

    I'm with beanie - that's a great aim for the summer!
    • Brodiebobs
    • By Brodiebobs 7th May 19, 11:17 AM
    • 813 Posts
    • 3,375 Thanks
    Brodiebobs
    My experience having one of each that my DS was very behind DD in emotional awareness, still at 10 he finds it very difficult to control his emotions and lashes out especially if he thinks he's been made fun of, despite all the bravado and class clown tendencies he doesn't be like it when the shoe is on the other foot and someone is laughing at his expense, this seems to get worse just before he has a growth spurt so don't know if its partly hormonal.

    He can also be funny with food which is a more recent thing, apart from the aforementioned growth spurt where he eats anything and everything!

    Agree its good you're aware but i agree nothing to worry about yet i don't think.
    Addicted to MSE.
    Overpaying mortgage for a better debt free life!
    • earthgirl
    • By earthgirl 7th May 19, 12:59 PM
    • 2,595 Posts
    • 27,360 Thanks
    earthgirl
    Thnks guys! Yes I know, not much I need to do about it at the moment but keep a wee note of things. The school might bring us in to discuss things as he is still not managing to play with the other kids outside before school. Hopefully he will manage it soon.

    Yes I'm going to just give him lots of love and time, try to talk to him about his emotions and practice counting to ten etc!
    15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again

    50 Frugal Living Tips that Really Work : https://youtu.be/eBorBymXXCQ

    Budget for May - Real Figures: https://youtu.be/vu8h_RW6TIY
    • earthgirl
    • By earthgirl 9th May 19, 6:14 PM
    • 2,595 Posts
    • 27,360 Thanks
    earthgirl
    A mixed week so far but that's life!

    Money wise things are going well, just completed a weekly shop which came in at £35. Haven't needed to spend on anything else. Got MIL to service my sewing machine and made a peg bag instead of buying. Should really make a lot more things!

    A parent sent a complimentary email directly to two levels above me so that's always nice, feels quite important as work is a bit of a slog of marking and chasing at the moment.

    I've figured out how to make things a lot simpler and enjoyable next year though, and already have it planned and resourced so in the future I'm hopeful I won't have quite so much running around to do at the end of term.

    Looking forward to the weekend, ms datenight on Friday, haircut for us all on Saturday at a cheap salon. Community event and community beach clean In the afternoon. Hope the haircut costs about £15 for us all, we have a sinking fund for it anyway.

    Sunday I should get some time to myself as the boys are at football, then hoping for a bbq later on?!
    15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again

    50 Frugal Living Tips that Really Work : https://youtu.be/eBorBymXXCQ

    Budget for May - Real Figures: https://youtu.be/vu8h_RW6TIY
    • themadvix
    • By themadvix 9th May 19, 6:54 PM
    • 2,349 Posts
    • 13,186 Thanks
    themadvix
    Sounds like the week is going well so far - I've had a cheap week grocery wise. Love that you made a peg bag! The sense of satisfaction is great when you make something, isn't it?

    Fingers crossed for BBQ weather at the weekend!
    • Karmacat
    • By Karmacat 10th May 19, 10:28 AM
    • 31,494 Posts
    • 185,700 Thanks
    Karmacat
    A peg bag is a great idea to make! Part of me would love to try it with my inherited sewing machine, but the peg bag I have, while it's made of faux fur, was a handbag my sister made for me in sewing class when she was about 15, and I couldn't throw that away. You've just made me realise, over winter or something, a little project would be to decorate it with braid or something

    Have a lovely date night
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • beanielou
    • By beanielou 10th May 19, 2:50 PM
    • 63,281 Posts
    • 278,759 Thanks
    beanielou
    Happy Friday
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
    • WannabeFree
    • By WannabeFree 10th May 19, 7:38 PM
    • 3,707 Posts
    • 35,285 Thanks
    WannabeFree
    Have a lovely weekend
    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
    • earthgirl
    • By earthgirl 15th May 19, 7:30 PM
    • 2,595 Posts
    • 27,360 Thanks
    earthgirl
    Thank you wannabe beanie karma and vix.

    Date night was lovely £2 spent

    NS weekend, apart from the haircuts £14 for 3 including a tip. and the community beach clean was great - free drinks and sandwiches provided by a local restaurant as a thank you.

    The last few days have also been great, lots of marking. Still losing weight very gradually and doing exercise every day.

    A relative has signed me up to deliver charity flyers, I am going to have to do it at 5.30am tomorrow So off for an early night. It's s one off thing and I've asked to be asked first next time.
    Last edited by earthgirl; 15-05-2019 at 7:59 PM.
    15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again

    50 Frugal Living Tips that Really Work : https://youtu.be/eBorBymXXCQ

    Budget for May - Real Figures: https://youtu.be/vu8h_RW6TIY
    • beanielou
    • By beanielou 15th May 19, 8:16 PM
    • 63,281 Posts
    • 278,759 Thanks
    beanielou
    5.30 am
    I would not have done it
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
    • apple muncher
    • By apple muncher 16th May 19, 5:25 AM
    • 8,815 Posts
    • 67,849 Thanks
    apple muncher
    I hope you've been able to deliver the flyers by now...
    NST May merriment #1; NSD 12/16; Ex 24/20; craft 7 (12); remove bagfuls 5 (21)

    Mortgage £16,231 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate???
    • apple muncher
    • By apple muncher 16th May 19, 5:28 AM
    • 8,815 Posts
    • 67,849 Thanks
    apple muncher
    Ooh, just noticed that my tablet is timing my posts an hour earlier. So I posted the above at 6.25, not 5.25!
    NST May merriment #1; NSD 12/16; Ex 24/20; craft 7 (12); remove bagfuls 5 (21)

    Mortgage £16,231 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate???
    • themadvix
    • By themadvix 16th May 19, 7:52 AM
    • 2,349 Posts
    • 13,186 Thanks
    themadvix
    Ugh, that's rather unfair. Hope it went smoothly and is all done now.

    Weekend sounded lovely though! And super frugal
    • earthgirl
    • By earthgirl 16th May 19, 3:27 PM
    • 2,595 Posts
    • 27,360 Thanks
    earthgirl
    I hope you've been able to deliver the flyers by now...
    Originally posted by apple muncher
    I was going to say Apple at 5.25am - you are a hard task master!
    15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again

    50 Frugal Living Tips that Really Work : https://youtu.be/eBorBymXXCQ

    Budget for May - Real Figures: https://youtu.be/vu8h_RW6TIY
    • earthgirl
    • By earthgirl 16th May 19, 3:36 PM
    • 2,595 Posts
    • 27,360 Thanks
    earthgirl
    Didn't have a great sleep in the end so switched off the alarm at about 3, and did the flyers in my lunch hour. Was very annoyed at being volunteered but it is for charity so didn't want to complain too much. Also I must give the impression that I'm coping with life and could quite easily fit in charity flyer delivery! OH thought it was hilarious as he knows how I struggle to juggle everything and the relative is retired but had lots of plans this week so though of me instead!

    Anyway feeling a bit down my friend isn't doing so well and I feel helpless. Ds is struggling to go into school. Ds1 best friend doesn't want to play football anymore and ds1 willl miss him. All things I can't really do much about.think I just need a bit more sleep and some talc.
    15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again

    50 Frugal Living Tips that Really Work : https://youtu.be/eBorBymXXCQ

    Budget for May - Real Figures: https://youtu.be/vu8h_RW6TIY
    • earthgirl
    • By earthgirl 17th May 19, 2:07 PM
    • 2,595 Posts
    • 27,360 Thanks
    earthgirl
    What a difference a day makes! And some sleep. Not talc though that was meant to say TLC!

    I did get some tlc from oh as I was a bit frazzled, he made tea cleared up and drove me to ds1s football match, where I was able to lose myself in a highly entertaining and enjoyable match.

    My first meeting this morning contained a coach from the opposing team, who recognised me from the night before! He tried to poach my son into his team (he played particularly well last night) but I explained that I'd applied for his team as it was closer but was knocked back on numerous occasions, told he'd missed the boat when he was 6, so no thank you! Ds is happy where he is and that's all that counts. Quite satisfying though, as was cheering on ds1s double hat trick last night!

    Also someone said I looked nice today. I'm going to try and give a compliment to someone every day as it did make me smile!

    Frugal weekend planned "super Saturday" where I do all the things I need to get done, play date and golf lesson for ds2, and then a relaxing Sunday just me and the kids. Football in the morning and some baking for snacks.
    15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again

    50 Frugal Living Tips that Really Work : https://youtu.be/eBorBymXXCQ

    Budget for May - Real Figures: https://youtu.be/vu8h_RW6TIY
    • apple muncher
    • By apple muncher 17th May 19, 6:19 PM
    • 8,815 Posts
    • 67,849 Thanks
    apple muncher
    Wow to a double hat trick !! Well done to ds1.


    And tee hee to 'them' trying to poach him now!
    NST May merriment #1; NSD 12/16; Ex 24/20; craft 7 (12); remove bagfuls 5 (21)

    Mortgage £16,231 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate???
    • Karmacat
    • By Karmacat 17th May 19, 6:38 PM
    • 31,494 Posts
    • 185,700 Thanks
    Karmacat
    You've had a wonderful few days (so I won't grump at you about the fact that you were volunteered for something without being asked, thats a **huge** no no). Okay, not mentioning that ...


    Hope your super Saturday goes well!
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • earthgirl
    • By earthgirl 17th May 19, 7:51 PM
    • 2,595 Posts
    • 27,360 Thanks
    earthgirl
    You've had a wonderful few days (so I won't grump at you about the fact that you were volunteered for something without being asked, thats a **huge** no no). Okay, not mentioning that ...


    Hope your super Saturday goes well!
    Originally posted by Karmacat
    You can grump at me! I was quite grumpy too, but then felt suitably persuaded that one hour of my time might save a life somewhere in the world - then I went back to being grumpy but stomped about and did it anyway!

    I'm trying to change my normal pretty lazy and poor diet weekends into something I feel a bit better about. Randomly calling it 'Super Saturday' last week worked for me! And when the kids asked Mum, why are we eating this/weeding/tidying/cleaning the hens out/sorting the med cabinet er whatever, I said 'it's super saturday' and they seemed quite happy with this explanation
    Last edited by earthgirl; 17-05-2019 at 7:55 PM.
    15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again

    50 Frugal Living Tips that Really Work : https://youtu.be/eBorBymXXCQ

    Budget for May - Real Figures: https://youtu.be/vu8h_RW6TIY
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